Should I choose low or no-excess insurance?

It depends. Low-excess pet insurance won’t always save you money. For example, higher excess is likely to cost you more when you need to claim. But it could make your insurance cheaper over the long term. Our no-excess pet insurance doesn't exist anymore. But we still offer one of the lowest around at £69. Generally, you should think about how much you can afford if you need to make a claim. Excesses and co-payments are there to offer flexibility for you.

Does excess change as my pet gets older?

Your excess does not change automatically, but you'll need to make a 20% co-payment in the event of any claim after your pet turns seven.

Do excess and co-payment apply to all sections of cover?

We don't charge excess or co-payment in the following situations: There is a £250 excess for our legal cover. See the handbook for details.

What is my current excess?

Details of your excess are in your plan documents, which you can find in My Account .

Can I change my excess at any time?

You can change your excess when your plan renews. Our customer service team can talk you through the options.

When do I need to pay my excess?

If you make a successful claim, we will deduct the excess amount from the amount that we pay out to you or your vet.

Why do I have an excess?

Excesses are one of the ways we help you keep your premium as low as possible. By having a range of excesses we allow you to balance your monthly premium cost with the amount you'll get back for any claim.

Do you have a zero excess option?

Our zero excess option is no longer available to new customers. If you’re an existing customer with a zero excess this will remain as it is until the first renewal after your pet turns seven. At this point, it’ll be increased to £69.